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What is the approval critera for small business Bank Statement Loans

What is the approval critera for small business Bank Statement Loans

Unlike most commercial loans or SBA small business loans, working capital loans are based on just a few criteria. Typically, businesses need to be open for at least 6-12 months. Loans are more based on cash flow (verified through bank statements and, if any, credit card deposits) than credit or financial statements. Most working capital loans are based on either bank balances, or average monthly deposits. Deposit frequency and overdraft activity are also considered.

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